What should I do after I receive my long-term disability denial letter?
When you first get your denial letter, you will want to read over it carefully. Look at why the insurance company is denying you. Did they receive all of the necessary information? Are they denying you due to a pre-existing condition? Are they denying you and claiming that you are no longer disabled? Or is the insurance company saying you are not disabled from any occupation?
Whatever the case may be, you should not panic or let your frustrations get the better of you. After you have gone through the denial letter, you should at the very least reach out to a disability attorney. Most attorneys provide free consultations and can guide you on how to appeal your claim. The denial letter will also give you instructions on appealing; however, do not appeal your claim hastily without providing supportive documentation or reasoning. You should also request copies of your files from the insurance company and review all information prior to submitting your appeal.
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